Do you live in a burglary claims hotspot?

London, Leeds and Bradford have been named as the UK's worst burglary home insurance claims hotspots, with residents filing more claims for theft than anywhere else in the country.

Number crunchers at MoneySupermarket have looked at 3.5million home insurance quotes from the past year, revealing the places least and most likely to file a claim for burglary. 

It makes for uncomfortable reading for the people of London, whose postcodes dominate the top 20 burglary claims hotspots, but there's better news for those in parts of Wales, East Anglia and South West England. 

Here's a closer look at the data, what it means and how you can improve security and lower your home insurance premiums, regardless of where you live.

Hot spots

Topping the table of postcodes with the most home insurance claims for burglary was LS13 (Bramley, Gamble Hill, Moorside, Rodley, Swinnow) in Leeds, with 34.8 theft claims per 1,000 enquiries, moving from position 5 last year to take the 'top' spot. 

It's one of three Leeds postcodes making the top 10, including LS18 (Horsforth) in seventh and LS28 (Calverley, Farsley, Pudsey, Stanningley) in tenth place. 

BD12 (Low Moor, Oakenshaw and Wyke) in Bradford took the number two spot, with 34.2 theft claims per 1,000 enquiries, closely followed by N12 (North Finchley, Woodside Park) in London in third place. 

London postcodes make up half of the top 10 burglary claims hotspots, with N12, RM3, SW12, UB3 and SE22 taking the third, fifth, sixth, eighth and ninth positions respectively. In fact, London postcodes make up eight of the top 20 burglary claims hotspots.

Safe spots

At the other end of the table, 16 postcodes were tied for title of least likely to make a claim on home insurance for theft.

 

Postcode District

Town

County / City

Number of theft claims per 1000 enquiries

1

SA9

Abercraf, Cwmllynfell, Cwmtwrch, Lower Cwmtwrch, Rhiwfawr, Upper Cwmtwrch, Ystalyfera, Ystradgynlais

Swansea

0.0

2

SA62

Haverfordwest

Pembrokeshire

0.0

3

LA14

Barrow-in-Furness

Cumbria

0.0

4

TQ3

North Paignton

Devon

0.0

5

EX31

Barnstaple

Devon

0.0

6

DD8

Forfar, Glamis and Kirriemuir

Angus

0.0

KY7

Glenrothes

Fife

0.0

8

PL21

Ivybridge, Brownston, Cornwood, Ermington, Modbury, Ugborough

Devon

0.0

9

PL26

Gorran Haven, Foxhole, Mevagissey, St Dennis, St Ewe, 
Sticker in St Austell

Cornwall

0.0

10

NR29

Great Yarmouth

Norfolk

0.0

11

AB16

Aberdeen, Mastrick, Northfield, Middlefield, Cornhill

Aberdeen

0.0

12

NR19

Dereham

Norfolk

0.0

13

NR10

Pettywell, Reepham, Hevingham, Stratton Strawless, Horsham St Faith

Norfolk

0.0

14

TQ5

Brixham

Devon

0.0

15

NE7

High Heaton, Benton

Tyne & Wear

0.0

16

CT21

Hythe

Kent

0.0

What does it all mean?

Just like car insurance, home insurance will vary in price depending on how likely you are to make a claim in the eyes of the insurer. 

This means that those living in higher risk areas, such as LS13 in Leeds, are likely to pay more for cover than those in lower risk areas, such as SA9 in Swansea. 

Hannah Jones, home insurance expert at MoneySupermarket, advises shopping around for cover rather than simply accepting your current insurer's renewal quote: "Areas affected by higher rates of burglary insurance claims will see their premiums impacted - increasing by a fifth on average. 

"Insurers take a blanket approach to assessing postcode districts for home insurance premiums rather than looking at insurance applications on a case by case basis. So, although you may not have been a victim of burglary directly, you could be paying more for insurance if there are higher rates of burglary claims made within your postal area. 

"The key thing is not to simply accept your insurance renewal - even if you live in a postcode which has a higher claim rate for burglaries, you can still save a packet by doing your research and switching to a better deal online." 

You can do that in just a few minutes over on our 
home insurance comparison channel

Get cheaper home insurance

Anything that reduces the risk of being burgled will generally be reflected in cheaper home insurance premiums, regardless of where you live. 

Installing robust window and door locks, house alarms and being part of a Neighbourhood Watch scheme, for example, can all help to bring down the cost of cover, with discounts of 5% or 10% available. 

Before you buy and fit new security equipment, you should check what your insurer will actually recognise for discount purposes. Usually, it's five-lever mortise locks and NACOSS-approved alarms, but it's worth checking before spending any money. 

Burglary isn't the only thing to protect yourself against, as claims for fire damage can also push up your premiums. You should make sure that you have working, regularly checked smoke alarms, and that you're not overloading power sockets. 

When you're shopping around for cover, you'll find cheaper quotes if you're willing to pay the entire premium up-front, rather than spreading it over monthly instalments. 

Similarly, opting to pay a voluntary excess on top of the policy's mandatory excess will bring down the cost of cover, but you should never volunteer to pay more than you can realistically afford because you will have to pay it in the event of a claim.

Please note: Any rates or deals mentioned in this article were available at the time of writing. Click on a highlighted product and apply direct.
 

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